A cautious note from Stifel's Jordan Rohan is helping eBay (EBAY-3.6%) close lower. Rohan says he'd like details on the impact digital wallet fees will have on PayPal (Jefferies has made some estimates), and believes PayPal accounts for only 5% of mobile payments (ed: its transaction volume is still significant). Separately, Reuters takes a look at the growth of European PayPal rival Klarna. Over in the U.S., PayPal faces competition from Stripe, which touts simple on-site integration and fast customer support as selling points. eBay's analyst day is on Thursday.